I authorize a local Preferred Contractor to contact me about my project(s).*

* This is not a pre-approval or an offer of credit. The products shown above are not available in all areas. Financing will only be offered after review and approval of a fully completed application. Application approval may only be provided after a fully completed application has been submitted and reviewed for all underwriting criteria, including but not limited to: status of real property tax, mortgage payments, and bankruptcies.

CaliforniaFIRST

Financing California homeowners trust

Thousands of California homeowners have chosen Renew Financial’s $0 down financing to make their home improvements possible. With fast approvals and fixed rates, it’s the smart choice to make your home more energy or water efficient.

We only finance high quality products that meet state and national standards for energy efficiency, so with Renew Financial, you know you’re getting quality products for your home. We’ll help you afford to upgrade your furnace, go solar, replace your roof, get a tankless water heater, and more, with PACE financing.

Why choose CaliforniaFIRST?

100% financing with no upfront out-of-pocket costs

Fast in-home approvals

Borrow up to 15% of property value

Flexible repayment terms: 5, 10, 15, 20, 25 or 30 years

Balance may transfer to new owner upon sale, subject to lender approval

Quick and easy process

Select a Renew Financial Registered Contractor who will help you through the process every step of the way.

Apply online or by phone at 844-589-7953. Approvals can happen in minutes!

Sign financing documents electronically. No need to go to the bank.

Your contractor will install your energy or water efficiency improvements.

We will pay your contractor directly once you are fully satisfied that the work is done.

Repay the financed amount on your property taxes. No separate bill to remember!

Testimonials

You have no idea what this house felt like. During the winter, it was freezing. We had to huddle in one part of the house. It was just horrible before, and now, we are--it's like heaven.

Linda Rich, San Mateo County

I like that the assessment was done on the home itself, the ease of the application process, the fact that it was able to be done online and electronically signed. I didn't have to have anything mailed or go in in person. I think that was very easy.

Anjurle Duchaussee , Solano County

One really important benefit of the program was the increase in our property value, and, of course, the savings on a monthly basis on our energy bill. It really was one of those win-win situations.

Glen Barnhill, San Mateo County

After the renovation, our house is now at a very stable temperature. We don't even hear if the furnace comes on. We are using less gas, not producing too much carbon dioxide. It's just amazing.

Kyoko Takayama, Alameda County

My home is more comfortable now with all of those renovations being done. It's not too cold now in the winter, it's not too hot in the summer, it's just right.

Anjurle Duchaussee , Solano County

The benefits of this renovation have really impacted our life. We've always loved our home, but we really love it now.

Linda Rich, San Mateo County

I knew that I needed to get a new hot water heater, and I said, If I'm gonna get a new hot water heater, I'm gonna get an energy-efficient tankless water heater. It's outside the house, it's not taking up a big chunk of space in the back hall. Nice, attractive small unit, but most importantly, it's more energy efficient.

Larry Chaset, Alameda County

The thing I liked best about the CaliforniaFIRST program was that it was about as easy as it could be. Press the button on the computer, and by the time the call was over, they said, You're approved. That's the kind of people I like to do business with.

Larry Chaset, Alameda County

We're retired, and as a result, we live on a fixed income. With CaliforniaFIRST financing, we were able to put it on our tax bill. In our case, we pay it twice a year, and that enabled us to pay for the cost of the improvements.

Glen Barnhill, San Mateo County

My husband is retired, and I'm working mainly as volunteer; we didn't want to tie up our cash flow, so CaliforniaFIRST was a very good choice.

Kyoko Takayama, Alameda County

Our home is more comfortable now because the plumbing system works better.

Gretchen Dumas, Alameda County

We installed a central heating system. We also insulated underneath the house, and it's made a tremendous difference in the comfort and cost of heating the house.

Glen Barnhill, San Mateo County

One of the best parts of this project for us was the financing through CaliforniaFIRST. It was very easy for us to do the paperwork, and we were quickly given an answer and told that we were qualified for it.

Glen Barnhill, San Mateo County

Our house was built in 1927, and before the renovation, temperature in the house fluctuated a lot. After the renovation, our house is now at a very stable temperature. We don't even hear if the furnace comes on. We are using less gas, not producing too much carbon dioxide. It's just amazing.

Kyoko Takayama, Alameda County

Resources

Renew Financial has had a monumental year in 2015 between completing its first $50 million securitization for PACE bonds to acquiring AFC First and EcoCity Partners as part of your national expansion...

Founded in 2009, sister companies Turf Exchange and Solar Universe are providing smart energy efficient upgrades for customers that effectively meet the changing needs of California home and business...

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FAQ

What is PACE?

PACE allows property owners to finance the installation of energy and water improvements on homes without putting any money down. Property owners pay back the funds that were used to finance their home improvement project as a line item on their property tax bill.

How is PACE different from traditional financing?

PACE is financed through assessments collected on the property tax bill, and the assessment obligation may be assumed by the new owner when the property is sold.

How do I know if my city is participating in a PACE program?

Renew Financial's residential PACE programs are available to property owners in California and Florida. See the PACE coverage map lists of all jurisdictions that have opted in to PACE programs.

Does Renew Financial use taxpayer dollars to fund projects or administer PACE Programs?

No. Renew Financial uses private capital to fund every project. Costs to administer the program are paid by program participants through fees that are rolled into each project’s financing. County tax assessors and tax collectors incur small costs to place each PACE assessment on the tax rolls and to collect and distribute the PACE assessment payments. Counties are reimbursed for these costs through the above-mentioned fees. Cities do not incur any costs as a result of opting in to the program.

What are the benefits?

PACE solves many of the financial hurdles facing property owners wanting to install energy and water improvements: • Competitive, fixed interest rates • Flexible repayment terms of 5,10, 15, 20, 25 or 30 years • May reduce electricity and water usage and the safety and resiliency of your home • The PACE assessment obligation may transfer to the new owner if the property is sold